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When you need to borrow for any reason see us first. We offer low-interest
loans with flexible repayment terms and the personal service you deserve.
There is never a prepayment penalty, and you can make partial payments at any
time. You can also make your loan payments convenient and automatic using Payroll
Deduction, at no cost to you!
 New & Used Auto Loans
Shopping for the car of your dreams?
We have great new and used auto loan rates and flexible terms (up to 84 months)†.
Get pre-approved and find a payment you can afford before you set out to shop.
Pre-Approval Check List for Fast Approval and Check Pick-Up (Complete checklist by 12:00 noon and pick up your check the same day††)
- Get Pre-Approved at E & G EFCU for your auto loan
- Find your dream car and Fax or bring the dealer sales agreement to E & G
- Fax a valid insurance binder for your new vehicle
†Maximum age of vehicles financed by E & G is 7 years old. Maximum term on used vehicles is the age of the vehicle subtracted from our 7 year maximum
(i.e. A 3 year old vehicle can only be financed for 4 years maximum)
††This excludes any day the credit union is closed due to observed holiday or other reason.
 Guaranteed Asset Protection (GAP)
GAP is extremely affordable* and now available for vehicle loans. Sometimes your asset, such as a car, is worth less than what is owed. In the event of an unrecovered theft or total loss from an accident, your insurance company will only protect the value of the car, possibly leaving you responsible for the balance. GAP may pay that difference, protecting you from owing on the balance.
*Cost calculation for GAP coverage may be calculated by clicking on the 'Calculate Your Payment' button above.
 Recreational Vehicle Loans
Whether you take to the road in your home on wheels, or tow it behind you, we have loans that will fill your needs.
Call us today for affordable financing, then GO OUT and enjoy your time on the road.
 1st Mortgages
Have you found just the right house to call home?
E & G EFCU has partnered with CUC Mortgage to help you make buying that new home a reality.
Mortgages are serviced by CUC mortgage and funded by E & G EFCU.
- Secure Online Application Process
- Free Pre-Approvals - In Minutes
- Fixed And Adjustable Rate Options
- Competitive Rates And Low Closing Costs
 
Home Improvement Loans
Great rates and flexible terms, the perfect loan for an unexpected home repair or starting that home remodeling project.
There are NO closing costs or fees for this great loan option!
Debt Consolidation Loan
A great way to combine high interest debts into one low monthly payment.
This loan offers a great rate and could help you save hundreds of dollars every month.
Loan |
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Balance |
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Minimum Payment |
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How long to Pay-off‡ |
Store Card (25%) |
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$2,000 |
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$61.67 |
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NEVER at min. payment |
Other Credit
Card (18%) |
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$3,700 |
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$92.50 |
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30 years at min. payment |
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Total |
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$5,700 |
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$154.17/month |
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E & G Debt Consolidation Loan Saves You Big
$5,700 | $93.22/Month | paid off in 7 years‡‡
Saving you $60.95 per month and over $46,671 compared to paying the minimum payments.
‡Pay-off times calculated using the Federal Reserve Calculator found at http://www.federalreserve.gov/creditcardcalculator/Default.aspx
‡‡Sample loan payment assumes a 9.5% rate calculated over 84 months. Rate used for illustration and is subject to change without notice. See www.egefcu.com for current rates.
 Any Reason Loans
Unsecured (Personal) Loan
Need a loan for vacation, a computer or any other reason?
E & G can help! You can choose an unsecured loan, with just your signature and good credit.
Share Secured Loan
A share secured loan allows your savings to grow while you take advantage of our low share secured rate.
 E & G VISA® Credit Cards
Unlike other credit cards, our VISA Classic Credit Card is the most affordable card you'll carry in your wallet.
There are no tricks, gimmicks or teasers - just a low fixed rate and no annual fee.
Our VISA is accepted worldwide for your everyday shopping convenience.
Use it for regular purchases, vacation, or any other reason. You get premium purchasing power at a great low rate.
- Great Interest Rate
- 25-Day Grace Period
- 24-Hour Cash Access
- NO Annual Fees
Call the credit union to apply today, it will soon be the only credit card you will carry.
For VISA® Member Service or Balance Inquiry Call (800) 872-1712.
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